COMMON SENSE NON-QM
A Non-QM Wholesale Lender,
Built for Mortgage Brokers
Who We Are
Castor Financial is a non-QM wholesale lender, a dba of West One Capital Group Inc. We work with independent mortgage brokerages. Brokers bring us the files that don't fit agency guidelines: self-employed borrowers, real estate investors, asset-rich retirees, foreign nationals.
STACKING INCOME
Castor Financial's flagship loan program, Prime PLUS, with expanded income-qualification, there's no minimum asset requirement for asset depletion, and cash-out is allowed. Bring us all the borrower's income, W2, bank statement, or asset depletion, and combine it on one application. That's stacking Income. When asset depletion is stacked as an additional income stream, we divide the borrower's eligible assets over 36 months
Pollux — Eligibility Intelligence Tool
Pollux gives you a pre-submission read on a scenario, live and public, twenty-four seven. Run the numbers before you submit and see how the income calculates against current guidelines. Pollux doesn't approve files. It shows you whether the scenario fits before you spend time on it.
PRIME
LOAN PROGRAM
Best pricing, tighter guidelines. Full doc and alt doc. The entry point for a straightforward alternative-documentation file.
EXPANDED
LOAN PROGRAM
The widest documentation range. Credit events to 620 FICO, 1099-only, ITIN, recent credit events.
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PRIME PLUS
LOAN PROGRAM
Our most aggressive guideline set. Home of the 36-month asset depletion stack and no minimum asset floor. $300,000 minimum loan.
EQUITY
LOAN PROGRAM
Closed-end second liens to $1 million. Cash out without touching the first mortgage.
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Licensing
NMLS | 982017 |
License type | California Financing Law license |
Entity | Castor Financial, a dba of West One Capital Group Inc. |
CA DRE | 01366098 |
CA DFPI | 41DBO-46556 |
Address | 100 Bayview Cir #4100, Newport Beach CA 92660 |